what would be the dscr?

True Blue Real Estate's financial accounts Year 1 Year 2 $92,000 $140,060 Net profit after tax Current year projected - $175,000 Add back (rent) Additional superannuation to director $49,142 $34,539 Wages to partner one Wages to partner two Payment to private investor (fixed flat profit fee) $47,000 $31,400 $70,640 $70,640 $45,000 $70,640 $70,640 $45,000 Applicant information - Bill Smith Personal details Address Date of birth 26 Nowry Road, Yourtown, 1234 17 February 1958 7890 1234 Phone Financial details $70,640 $550,000 Gross income Owner-occupied property valued at Outstanding debt on owner-occupied property Credit card with limit $15,000 $210,000 repayable at $1,379 per month P & I, 6.2% p.a. interest rate Outstanding debt - $5,000 $250,000 $30,000 (nil debt) Superannuation Motor vehicle valued at Personal details Address 14 Mary Street, Yourtown, 1234 14 October 1970 Date of birth Phone 0146 234 577 Financial details Gross income Owner-occupied property valued at Outstanding debt on owner-occupied property Credit card with limit $5,000 Superannuation $70,640 $750,000 $300,000 repayable $2,159 per month P & I, 6.2% p.a. interest rate Outstanding debt - $1,000 cleared monthly $200,000 $45,000 Motor vehicle valued at Outstanding debt on motor vehicle $15,000 repayable $623 per month, fixed interest rate Business details Cash in business account $400,000 Other information Applicants' solicitor Moffat and Co (contact is Maree Moffat) 16 Tatlor Street, Yourtown, 1234 7890 5678 Phone Applicants' accountant and registered office Buckland Accountants (contact is Simon Williams) 28 Mary Street, Yourtown, 1234 2982 0987 Phone Applicants' banker Westcoal Building Society, Yourtown, 1234 Notes: Assume for credit card debts, the minimum monthly commitment should be calculated at 3% of the credit limit. Each of the working directors has appropriate death, income and disability insurance in place. A sensitisation factor of 2% should be used when calculating financial commitments. Details of the property Sale price of the property is $950,000. (There is no GST requirement as it is being purchased as a going concern.) A deposit of $95,000 has been paid and is being held in the trust account of the settlement agent/solicitor. A cash contribution of $233,240 will be made from the general working account of the business. Property purchase and loan to be in the name of a new entity True Blue Pty Ltd as trustees for the Smith Jones Unit Trust. There are a total of 99 units in the trust and the unit holdings mirror the shareholding of the trading entity, True Blue Pty Ltd. The property is situated at 100 Smith St, Yourtown, with contracts exchanged at today's date and an anticipated settlement date of 90 days. True Blue Real Estate's financial accounts Year 1 Year 2 $92,000 $140,060 Net profit after tax Current year projected - $175,000 Add back (rent) Additional superannuation to director $49,142 $34,539 Wages to partner one Wages to partner two Payment to private investor (fixed flat profit fee) $47,000 $31,400 $70,640 $70,640 $45,000 $70,640 $70,640 $45,000 Applicant information - Bill Smith Personal details Address Date of birth 26 Nowry Road, Yourtown, 1234 17 February 1958 7890 1234 Phone Financial details $70,640 $550,000 Gross income Owner-occupied property valued at Outstanding debt on owner-occupied property Credit card with limit $15,000 $210,000 repayable at $1,379 per month P & I, 6.2% p.a. interest rate Outstanding debt - $5,000 $250,000 $30,000 (nil debt) Superannuation Motor vehicle valued at Personal details Address 14 Mary Street, Yourtown, 1234 14 October 1970 Date of birth Phone 0146 234 577 Financial details Gross income Owner-occupied property valued at Outstanding debt on owner-occupied property Credit card with limit $5,000 Superannuation $70,640 $750,000 $300,000 repayable $2,159 per month P & I, 6.2% p.a. interest rate Outstanding debt - $1,000 cleared monthly $200,000 $45,000 Motor vehicle valued at Outstanding debt on motor vehicle $15,000 repayable $623 per month, fixed interest rate Business details Cash in business account $400,000 Other information Applicants' solicitor Moffat and Co (contact is Maree Moffat) 16 Tatlor Street, Yourtown, 1234 7890 5678 Phone Applicants' accountant and registered office Buckland Accountants (contact is Simon Williams) 28 Mary Street, Yourtown, 1234 2982 0987 Phone Applicants' banker Westcoal Building Society, Yourtown, 1234 Notes: Assume for credit card debts, the minimum monthly commitment should be calculated at 3% of the credit limit. Each of the working directors has appropriate death, income and disability insurance in place. A sensitisation factor of 2% should be used when calculating financial commitments. Details of the property Sale price of the property is $950,000. (There is no GST requirement as it is being purchased as a going concern.) A deposit of $95,000 has been paid and is being held in the trust account of the settlement agent/solicitor. A cash contribution of $233,240 will be made from the general working account of the business. Property purchase and loan to be in the name of a new entity True Blue Pty Ltd as trustees for the Smith Jones Unit Trust. There are a total of 99 units in the trust and the unit holdings mirror the shareholding of the trading entity, True Blue Pty Ltd. The property is situated at 100 Smith St, Yourtown, with contracts exchanged at today's date and an anticipated settlement date of 90 days